Provider comparison
Crypto.com Visa Card vs Fold Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The Crypto.com Visa Card lets you earn crypto cashback on purchases and access perks like airport lounge visi…
Fold Card is a crypto rewards card that lets you earn Bitcoin back on everyday spending. It is a custodial pr…
Effective rewards
Crypto.com Visa Card
Fold Card
Reward asset
Crypto.com Visa Card
Fold Card
Staking tier
Crypto.com Visa Card
Fold Card
Custody
Crypto.com Visa Card
Fold Card
Annual fee
Crypto.com Visa Card
Fold Card
FX fee
Crypto.com Visa Card
Fold Card
ATM fee
Crypto.com Visa Card
Fold Card
Conversion spread
Crypto.com Visa Card
Fold Card
Network
Crypto.com Visa Card
Fold Card
Apple / Google Pay
Crypto.com Visa Card
Fold Card
Region availability
Crypto.com Visa Card
Fold Card
| Feature | Crypto.com Visa Card | Fold Card |
|---|---|---|
| Effective rewards | 1-2% realistic (mid-tiers); 5% ceiling needs $400k CRO staked | 1.5% back in BTC on credit card; +0.5% for paying balance in BTC; up to 4% on first $2k/month spend |
| Reward asset | CRO | Bitcoin (sats) |
| Staking tier | CRO $0 (1%) / $400 (2%) / $4k (3%) / $40k (5%) / $400k (5%+perks), locked 180 days | None (Fold+ paid tier boosts perks) |
| Custody | Custodial | Custodial |
| Annual fee | No annual fee; some regions charge shipping/issuance | No annual fee (credit card) |
| FX fee | None up to monthly limit, then ~0.5-3% | Verify |
| ATM fee | Free to monthly cap (e.g. $200-$1k by tier), then ~2-3% | Verify (debit) |
| Conversion spread | Interbank-ish, no explicit spread disclosed | Rewards bought as BTC; spot pricing |
| Network | Visa | Visa |
| Apple / Google Pay | Yes | Yes |
| Region availability | US, EEA, UK, Canada, APAC, LATAM (varies) | United States only |
Crypto.com Visa Card
The Crypto.com Visa Card lets you earn crypto cashback on purchases and access perks like airport lounge visits. It is a custodial card that requires staking CRO tokens to unlock higher reward tiers.
Fold Card
Fold Card is a crypto rewards card that lets you earn Bitcoin back on everyday spending. It is a custodial product designed for users who want to accumulate Bitcoin without actively trading.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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